Companies also need to establish technology governance: who controls AI models, how to prevent bias, and how to store audit logs. Legacy software that fails to meet these requirements will lose relevance.
3. Strengthen Regulatory Readiness and Compliance Culture
Beyond technology, firms must set clear internal policies on conduct limits, contact hours and frequency, and special treatment for vulnerable debtors.
Ongoing training for agents and management onnewregulations and digitalethics is essential.
Internal reporting and whistleblowing systems will help detect collection violations early.
